Palm vein authentication-based bank authorization and credit system and method

Abstract

The invention discloses a palm vein authentication-based bank authorization and credit system and a palm vein authentication-based bank authorization and credit method. The system comprises an authorized terminal, an authorized certification device and a palm vein identification device, wherein the authorized terminal sends service request information to the authorized certification device according to a bank service process requirement; the authorized certification device receives the service request information, identifies, extracts and sends authentication request information to the palm vein identification device, reads a palm vein image of a user to be certified, compares the palm vein image of the user to be certified with pre-stored palm vein data of an authorizer, and sends authorization information to the authorized terminal if the palm vein image of the user to be certified matches the pre-stored palm vein data of the authorizer; and the palm vein identification device responds to the authorization request information, acquires the palm vein image of the user to be certified, and processes and transmits the palm vein image to the authorized certification device. The system and the method stop the potential safety hazard in a conventional authorization and credit system, are simple in operation, have anti-denial performance and traceability because of the uniqueness and the non-replicability of palm vein information, do not need to perform any transformation on a conventional bank background service system, and can be integrated with other systems of a bank conveniently.

Description

technical field [0001] The invention relates to the technical field of security authentication, in particular to a palm vein authentication-based bank authorization credit system and method thereof. Background technique [0002] With the continuous deepening of the application of computer technology in the financial field, the degree of financial electronicization of banks is getting higher and higher, and the dependence of banks on computer systems is increasing. According to relevant statistics, financial cases are increasing at an annual rate of 30%, and crimes committed by insiders using computers account for a large proportion. [0003] At present, the financial system generally uses the form of business authorization to prevent computer crimes by insiders. The traditional commercial bank authorization method includes the following process: when the teller encounters authorized business during business operations, he requests authorization from the authorized superviso...

AI Technical Summary

Problems solved by technology

[0006] The technical problem to be solved by the present invention is how to overcome the problem of authorization or missing authorization that exists in the authorization methods based on password, magnetic card, IC card and fingerprint technology in the existing bank authorization credit system, which is easy to be stolen, copied or polluted. defect

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